13 flood insurance claims·$138,505 paid·5 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Coleman County, Texas. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
Flash flooding from severe thunderstorms and heavy rainfall dominates the flood risk profile in Coleman County, accounting for 34 out of 36 recorded flood events over the last 30 years.
Recent occurrences documented by NOAA include severe thunderstorms producing flash flooding in November 2024, as well as an event involving street flooding from strong storms in May 2023. Federal flood insurance records show claims filed across different zones, including 8 claims in unknown zones with an average recorded water depth of 2 inches and an average payout of $25,257, alongside 5 claims in Zone A averaging 1 inch of recorded water depth and an average payout of $4,074.
Homeowners, real estate agents, and journalists should pay the closest attention to properties located within Zone A and unmapped or unknown flood zones, where localized heavy rainfall and severe storm activity can lead to property damage and insurance claims.
Summary written from NOAA storm reports and NFIP claims for this county. Not a prediction.
In flood insurance claims here that reported a flood depth, the average was 2 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2002, with 7 claims and $126,284 paid, the year of Severe Storms and Flooding.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
7 NOAA storm reports from Coleman County describe what happened, in the words of the forecasters who covered it. Read the Texas flood stories →
18 federal disaster declarations since 1991, 5 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms, Straight-line Winds, Tornadoes, And Flooding | Apr 26, 2024 |
| Severe Winter Storm | Feb 11, 2021 |
| Severe Winter Storms | Feb 11, 2021 |
| Severe Storms And Flooding | May 22, 2016 |
| Wildfires | Apr 6, 2011 |
| Wildfires | Mar 14, 2008 |
| Severe Storms, Tornadoes, And Flooding | Jun 16, 2007 |
| Extreme Wildfire Threat | Nov 27, 2005 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
36 since 1996: 34 flash floods and 2 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | May 22, 2024 | — |
| Flash Flood | Nov 7, 2024 | — |
| Flash Flood | Sep 3, 2024 | — |
| Flood | May 8, 2023 | — |
| Flood | May 18, 2019 | — |
| Flash Flood | May 18, 2019 | — |
| Flash Flood | Sep 7, 2018 | — |
| Flash Flood | Apr 1, 2017 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · May 22, 2024. The combination of a well defined surface dryline, extreme instability, and strong wind shear, resulted in producing supercell thunderstorms across west central Texas. A supercell thunderstorm resulted in a significant hail storm across western and southern portions of the city of San Angelo. The hail stones ranged from golf ball to slightly larger than baseball size. There was major damage to the outer structure…
Flash Flood · Nov 7, 2024. The combination of an upper level storm system and a cold front resulted in scattered severe thunderstorms across the Concho Valley and the Heartland during the evening hours. The storms produced large hail, strong gusty winds and flash flooding.
Flash Flood · Sep 3, 2024. A significant heavy rainfall event occurred early in the month across mainly the Concho Valley, northern Heartland and southern Big Country due to a slow moving upper level storm system and a very moist tropical airmass, which was near record levels for early September. Numerous showers and a few thunderstorms produced localized heavy rainfall amounts greater than 10 inches across portions of northeast Tom Green,…
Flood · May 8, 2023. Isolated to scattered strong to severe thunderstorms developed across portions of the Concho Valley and the Heartland during the evening hours along the dryline. The severe storms produced large hail, damaging winds and street flooding.
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Coleman County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.